Moyer & Moyer Insurance Blog

BJ Moyer

Carbon Monoxide Safety Tips for Your Home

Carbon Monoxide Safety Tips for Your HomeCarbon monoxide is a colorless, odorless gas that can be produced by car exhaust, appliances such as washer/dryers, gas ranges, and heaters. If it is produced without adequate ventilation and people inhale it, it can be fatal. Because it isn't detectable through sight or smell, people can fall asleep and be poisoned by carbon monoxide as they sleep. Follow these carbon monoxide safety tips: Install carbon monoxide monitors and have them serviced and maintained regularly. Monitors will make a sound if they detect carbon monoxide in the air. Never, never, never ignore this sound. Open doors and windows first to let in fresh air so you it can be cleared out. Then call 9-1-1. Then leave the premises. Do not remain inside while carbon monoxide is present. Many experts suggest having more than one, depending on the size of your house. Near bedrooms, heaters and in garages are all good ideas.......
BJ Moyer

Signs of Employee Fraud or Theft in Your Organization

Signs of Employee Fraud in Your OrganizationIt’s unfortunate, but fraud or theft on the part of employees is all too common. It’s estimated that one-third of employees will steal if given the opportunity. Theft costs employers nationwide about $50 billion every year. How do you protect against employee fraud or theft? Vigilance. Watch out for these warning signs of employee fraud or theft. A sudden upward change in spending habits. If someone is suddenly driving an expensive car with a decidedly moderate income, wonder why. It could be entirely legitimate: a gift, a bequest in a will, or good investments. Maybe he or she has been saving for a long time. But sudden evidence of large expenditures is a leading sign of theft or fraud. Expensive homes, clothes, vacations — all could be signs if the person could not afford these things on a salary. Working before or after hours. If people are either stealing or committing finan......
BJ Moyer

Prevent Slips and Falls This Spring: Steps to Follow

Prevent Slips and FallsAlthough Spring is beautiful, it's also a time when slips and falls can occur more frequently than they do in other seasons. Why? Well, the very showers that bring flowers can cause slip and falls. All you need is blame your organization, and leave it liable for damages -- for medical care or time off work. In addition, people may be unprepared for the weather activity that can cause slips and falls. They may go out without umbrellas or hike through a lawn, not realizing the degree of mud or rain. So what's the best way to PREVENT SLIPS AND FALLS THIS SPRING? Here are 4: Make sure you have equipment to clean up and warn. In case of water on stairs or walkways, you need mops and buckets. You need warning signs, barricades, and/or cones to warn the public about any potentially unsafe conditions. Have enough of both. Train employees.......
BJ Moyer

Cyber Insurance as an Effective Risk-Management Strategy

Cyber Insurance as a Risk Management PlanCyber insurance protects an organizations data and its users from online risks, and all possible cyber attacks resulting from its web properties or cloud servers. In recent times, there have been cyber attacks on fortune 500 companies and these corporate bodies are starting to take a closer look into their security. Data breach comes with a lot of risks and costs, and it is very important for businesses to be made aware of these risks. Risks Include: Identity theft Loss of income Computer and funds transfer fraud Regulatory fines, penalties and expenses Damage to individual persons or company Small-scale businesses are usually the most vulnerable to cyber attacks because of a lack of safety policies in comparison to larger corporations. An effective risk-management strategy that companies are employing to help ease the costs of cyber breach is cyber insurance. These companies know the advantages that come with having a cyber insurance......
BJ Moyer

Preparing Your Church for Unpredictable Spring Weather

spring weather preparationWhen thinking of spring weather, many people picture mild, blue-sky days, but in reality, spring weather can be pretty unpredictable. Since we do live in the Midwest, there could be an early heat wave, but there could also be heavy rain or terrible storms. To get your church ready for whatever spring weather brings, there are several key steps you can take in preparation. Keep cleaning materials handy. When a rain or snow storm coincides with a church service, water and mud can get tracked into the church, which could create slipping hazards and damage flooring. Keep mops, buckets and vacuum cleaners close. Ensure proper ventilation. If it has been a cold winter, the church windows may not have been opened for months. Make sure that all the windows still open easily in order to ensure proper ventilation. That can help keep the church at a comfortable temperature and prevent mold......
BJ Moyer

Starting a Church Recycling Program in 5 Simple Steps

Starting a Church Recycling ProgramInterested in starting a church recycling program but aren't sure where to start? Read on for five simple steps to get your church or organization going in the right direction. Form Your Team You can't do everything yourself. Sometimes, delegation is the best choice. Find someone in your congregation who wants a leadership position and who is on board with a green initiative. Have them be the leader in forming a team and see the initiative through for each step of the process. Get Organized Make sure you team leader calls local waste management providers to get a feel for your options. Will your provider pick up recycling with the regular trash? Will they charge extra? Try contacting several different vendors before making up your mind on the best course of action. Start Small You might have big goals and dreams, but it takes small steps to get there. Don't overwhelm......
BJ Moyer

Your Easter Sunday Safety Checklist

Your Easter Sunday Safety Checklist for ChurchEaster is a time of joy. It's a time to gather together with family and to celebrate, and in the spirit of celebration, a lot of churches have special Easter Sunday services or activities for families. It's important, especially during large gatherings and celebrations, to make sure your building and any volunteers are up to speed on proper safety protocols. Below you'll find a helpful Easter Sunday safety checklist to help you provide a safe atmosphere for the people who gather at your church this Easter. Outdoors A walk-through is the first step to ensuring safety. Simply walk around the property and check for anything that could be dangerous. Look for potholes in the parking lot, inadequate lighting, or loose handrails. Meet with anyone who's volunteering or working in the parking lot during the service or events. You might receive large crowds, and everyone should know the procedures for directing traffic......
BJ Moyer

Benefits of an Alarm System: Warning and Deterrence

Benefits of Alarm System for BuildingsIf your organization currently operates without an alarm system, it should get one. There are multiple benefits of an alarm system. 1. Warning. The most obvious benefit of an alarm system is that it issues a warning if someone is breaking into your building. Whether intruders enter through windows or doors, alarm systems can be set up to alert either a local police department or officials of the organization (or both). The sooner you realize there's a break-in, the sooner authorities can try to stop any theft or vandalism. The sooner they can recover any items stolen or eliminate traces of vandalism as well. 2. Deterrence. Not all theft of property, valuables or cash (or other crimes) are committed by hardened criminals. Often a building is targeted because it has no visible alarm system or significant method of keeping people out (such as gates over windows). They are crimes of opportunity.......
BJ Moyer

What You Should Know About Church Functions and Food Allergies

Church and Food Allergies BasicsChurches tend to schedule meetings and events around food in order to bring people together. Spaghetti dinners, pancake breakfasts, pizza night, Bible study snacks, and church camp are all places where church work gets done over the joys of breaking bread together. But for some people, unknown food ingredients can be very scary. Over 15 million Americans have one or more food allergies, according to the Food Allergy Research & Education (FARE) web site. The cost of food allergies is estimated to be $25 billion a year for children alone. The Top 8 Allergens Ninety percent of all food allergy reactions are due to these eight foods: Peanut (a legume or bean, not a nut!) Tree nuts (cashews, walnuts, pine nuts, almonds are examples) Milk Eggs Soy Shellfish (shrimp, lobster, scallops, crab are examples) Fish (cod, bluegill, bass, salmon are examples) Wheat Intolerances to certain foods are not the same as......
BJ Moyer

Three Ways to Motivate Non-Profit Employees

How to Motivate Non-Profit EmployeesMany non-profits don't have the budget for large salaries or great benefits. While the pay can be good, it's not going to rival that of large tech firms or Wall Street brokers. Most managers use salary or financial perks as one of the tools to motivate their people. Do great work; get a nice salary boost at the end of the year. Non-profit managers may not have that at their disposal. Still, most employees need some sort of motivation. How can you motivate non-profit employees? Here are three ways: Hire people who believe in the non-profit's purpose. This is a great way to find motivated employees. Whether your non-profit helps the homeless or raises funds for cancer patients, people who believe in the mission have a built-in motivation. If they or a family member have been part of the population served at some point in their life, even better. Provide room......